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Book i^Al . 


Sears Philosophy 

makes life livable and lovable. 

"The Books Without an If" 

teach how 


The Psychology of Use 


The Extravagance of Economy 


F. W. SEARS, M.P. 


"Concentration and Will-Power," "The Psychology of Abundance," 

"How to Attract Success," "How to Give Treatments," 

"How to Conquer Fear," "Everyday Experiences," 

"Sears Psychology Lessons," etc. 


Copyright, 1921, F. W. Sears, M.P. All rights reserved. 





NOV 10 j92 1 

#**V^ ~^ 


The purpose of this Course of Study is 
not to teach students either to spend or 
save money, but to teach how to develop 
such a consciousness and thought habit 
as will enable one to use his money so he 
will attract a constantly increasing abun- 
dance of supply to him. 

Life on every plane of consciousness is 
purely a question of relationships; noth- 
ing is absolute except Universal Law, and 
no form is ever perfect except for its 

There are a number of men in the 
United States whose annual incomes are 
more than twenty millions of dollars. 



There are also more men here whose in- 
comes are less than two thousand dollars 
annually than there are whose incomes 
exceed that amount. 

Money does not turn from the one class 
into the coffers of the other by accident, 
chance or luck, but as the result of the use 
each one makes of universal laws. 

That those in both these classes use 
these universal laws unknowingly does 
not prevent the universal laws from 

The earth has been revolving in its orbit 
around the Sun ever since it was created, 
although the most enlightened men a few 
centuries ago taught that the Sun re- 
volved around the earth and tortured 
those who disagreed with them. They 
are still attempting to do the same thing 


These Lessons are designed to teach 
the student what the universal law is 
that directs this flow of money away from 
some persons and towards others; 

Also how to use this universal law 
knowingly, constructively and harmoni- 
ously, and so be able to direct a constantly 
increasing flow towards such user. 

The underlying principles taught in 
these Lessons are not new; they have 
been known to man for ages, but the use 
taught of universal laws is new. 

It is so different and at such complete 
variance with all former teachings of 
every science, philosophy and religion 
with which the world is familiar that the 
ordinary student is likely to stand aghast 
with amazement when he first hears them. 

There are others who will at once recog- 
nize the truth of everything taught herein 


for their own soul has lived them in con- 
sciousness and knows they are true. 

The real student always starts to learn 
his lesson with an open and receptive 
mind. He knows that unless he is ready 
to receive what the teacher has to give 
out, he will make but little progress. 

When he finds a statement he is not 
yet ready to accept as a greater interpre- 
tation of truth than he already knows, he 
does not reject it but begins to study and 
analyze it more closely. 

In order to study these Lessons con- 
structively, one should relax in both mind 
and body and become receptive to their 

The strained, tense, forceful condition 
in which many earnest seekers after 
knowledge, wisdom and understanding, 
pursue their quest, should be avoided. 


No attempt should be made to memo- 
rize the text. One might be able to repeat 
every word in these Lessons and their 
answers and still not know the first thing 
taught in them. 

In such a case he would have the form, 
the outer clothing, but would not have 
the inner meaning or consciousness. 

The Lessons should be read often, 
absorbed and assimilated. 

Not a day should be allowed to pass 
without reference to them. This aids in 
keeping their teaching fresh in our 
memory and we unconsciously absorb 
and assimilate the consciousness back of 

In this way will the student get into 
and relate with the finer, more vibrant 
and harmonious currents where he will 
obtain a better understanding of the 


Author's interpretation and subtle 

The universal law of use by an intelli- 
gent, constructive and harmonious con- 
sciousness, is the keynote to these Lessons. 

The subtleness of this law and its ac- 
tion can be best understood by those who 
go deeper than the surface. 

The vital importance of this is self- 
evident to the thinker and analyst. 

A consciousness and thought habit of 
harmony by which this subtle universal 
law of use may be knowingly and con- 
structively applied so one may "eat his 
cake and have it too," figuratively speak- 
ing, is not grown in a day by those who 
have spent years and incarnations in 
growing the opposite kind of a conscious- 
ness and thought habit. 


But it can be grown and these Lessons 
teach how to do it. 

Such a consciousness and thought habit 
is the result of persistent study and appli- 
cation, and can be grown by any earnest 
student who will persist. 

Such a consciousness and thought habit 
can be grown by any student in less than 
half the time it has taken him to grow 
the kind of a one he now has, and it is 
worth the price any one may have to 
pay in time, effort and study. 

The Author knows the truth of this 
for he does not teach any universal law 
until he has first tested and proven its 
truth for himself. 

His work then becomes that of a 
teacher ; to teach these universal laws and 
their application to those who want to 


learn ; he has no desire to reach others nor 
"convert" any one. 

Your work is to prove as much or as 
little of these teachings as you may desire. 

The Author. 


When one loves or enjoys doing a 
thing he gets more out of it than is other- 
wise the case. 

This is because he does it under the 
Law of Harmony and so both his action 
and its reaction on him are harmonious 
and constructive. 

The student should therefore study 
these Lessons with the feeling it is his 
blessed privilege to do so. The stronger 
this feeling is within him the more will he 
get out of the Lessons and the better 
and deeper will be his understanding of 

He should remember it has taken vears 


for him to grow his consciousness and 
thought habit of economy, and while it is 
possible for him to learn how to change 
that consciousness in a few hours, yet the 
process of effecting the change usually 
takes longer than learning how to make it. 

The process of making the change in 
anything is purely a matter of use and 
growth, after one learns how to make it. 

How long it will take any one to effect 
the change in his consciousness and 
thought habit, which these Lessons teach, 
will be determined solely by the use he 
makes of the knowledge contained in 
them, and the growth in his consciousness 
resulting from such use. 

The amount of time to be given to the 
study of these Lessons is a matter for 
each student to determine for himself, but 
it is wise to give them some time each day. 


When their study is taken up one 
should relax, let go, get as easy and com- 
fortable as he can, then quietly and 
calmly read over the Lesson or such part 
of it as he may wish. One should do this 
as best he can whether he is riding in the 
subway or in the seclusion of his own 

One should never attempt to memorize 
the Lesson. It should be read over care- 
fully and as much of it absorbed as pos- 
sible, that is, the student should not "work 
at it," nor attempt to force, make or com- 
pel himself to understand or remember. 

When the student is ready to answer 
the questions at the end of each Lesson 
he should take a separate piece of paper, 
write his own name and address at the 
top, also the following: "Answers to 
Questions of Lesson One (or whatever 


the number of the Lesson may be) The 
Extravagance of Economy/' 

It is not necessary to write the ques- 
tions; simply answer them in their nu- 
merical order, placing the number only 
of such question before the answer. 

By being careful to follow the instruc- 
tions in the two preceding paragraphs 
you will greatly aid in the review of your 

The student should remember he is 
writing these answers for his own benefit, 
not for ours and that the more he uses 
his own language in giving his answers 
(rather than the language used in the 
text) the more will he show his own 
understanding of the Lesson. 

We would suggest the student write 
his answers just as though he was explain- 
ing the matter to some one who knew 


nothing about it, but to whom he wished 
to give as clear and lucid an explanation 
as he was capable of giving. 

When sending in answers for review 
students may ash any question about the 
Lesson they desire. 

When answers to all three Lessons 
have been received by us we will mail you 
a copy of the printed answers without 
further expense. 

These are contained in a book similar 
to this one comprising about the same 
number of printed pages. It is a most 
valuable adjunct to these Lessons. 


108 and 110 W. 34th St., 
New York. 

Copyright, 1921. F. W. Sears, M.P. All Rights Reserved 



The Extravagance of Economy 
by F. W. Sears, M.P. 

Lesson One 

Immediately after the announcement 
of the armistice in the great world war, 
November, 1918, the call went out for 
the people of the United States to econ- 
omize so we might pay off the immense 
debt our country had incurred. 

All the other Nations of the world also 
called upon their people to economize, 
either for the same reason or some other 
which seemed equally important to them. 

Economy; economy; economy; was the 
cry heard everywhere. 

From the administration at Washing- 


ton to the humble housewife bending over 
her wash tub; 

From the great financiers of Wall 
Street to the "bolsheviki" orators ha- 
ranguing the crowd; 

From sky-line billboards, merchant's 
windows, newspaper editorial and adver- 
tising columns, has the cry for economy 
been blazoned forth to an ignorant, im- 
pressionable and unsuspecting public. 

Economy sales of hats, shoes, clothing, 
gowns, food, and everything else one 
could think of, have faced us no matter 
which way we turned. 

So insistent have these calls for econ- 
omy been, one would almost be inclined 
to think that all the money in the world 
had been destroyed and there was little 
or no hope of ever being able to get any 


Conversation with even casual ac- 
quaintances seemed impossible without 
the question of economy being brought 
up in some way. 

While in conversation with a well to do 
business man one day he commented on 
having his last year's straw hat cleaned 
up so he could wear it and economize in 
his expenditures. 

Let me say right here that it matters 
not how many old hats, old suits of 
clothes, old gowns, old shoes, or old any- 
thing else we may have repaired and 
wear, as long as we do so with the thought, 
the feeling, the consciousness, of their 
being of use to us. 

It is the thought, the feeling, the con- 
sciousness, of doing these things for the 
purpose of economizing which is de- 


It is not the thing we are doing which is 
destructive, but it is the consciousness 
with which we do it that determines 
whether its effect is constructive or de- 

This truth is fundamental in the Sears 
Philosophy, and proves itself whenever 
we are ready to prove it. 

Why the thought, the feeling, the con- 
sciousness, makes this difference will be 
more explicitly unfolded to the student 
as he progresses in the study of these 

For some time now has the entire world 
been concentrating on the thought, the 
idea, the image, the vision, of economy 
and practicing it as best it knows how, 
and what is the result? 

Every Nation in the world feels poor 


and poverty-stricken, no matter what its 
financial condition may be. 

Shortly after the United States de- 
clared war against Germany in April, 
1917, our Government, through Secre- 
tary Houston, sent out a long and earnest 
plea for all of our people to economize in 
every possible way so we might have 
ample means with which to carry on the 

The response was so quick, earnest and 
whole-hearted, the effect so sudden and 
complete, that it was quickly brought 
home to our politicians, financiers and 
business men generally that the life blood 
of the Nation was being sapped at its 
fountain head by the economy of the 

None of these "great" men had learned 
the great universal law of use (which we 


see expressed everywhere around us when 
we look with eyes that see), constructive 
and harmonious use, and that the more 
we use anything under the Law of Har- 
mony the more of it do we have to use; 
while the less we use of it, or when we 
use it under the Law of Force, the less 
we have of it to use. 

The Washington administration was 
soon calling for help and urging the peo- 
ple to at least buy what they really needed 
in order that business might be continued 
along more normal lines. 

Such reversal of form by the Govern- 
ment was practically telling the people it 
did not know what it was talking about 
before and did not mean all it had said. 

The damage had been done, however, 
and not until the people began to see evi- 
dences of the extravagant war expendi- 


tures of the Government did they cease 
pinching down in their expenditures, and 

While the practice of economy ceased 
almost entirely for the time being, yet the 
consciousness of it remained dormant with 
the people. 

Man seldom learns his lesson from one 
experience, but usually has to have many 
of them before he even realizes what the 
lesson is that he has to learn. 

The history of 1920 shows that the ex- 
periences of 1917 in the practice of 
economy were again repeated, but with- 
out the accompanying inspiration to 
the masses of the extravagant and prodi- 
gal was expenditures by the Govern- 

The business world experienced a 
period of stagnation and adjustment 


which needed but little encouragement to 
become a panic. Nearly every one we 
met was curtailing his expenses in order 
to economize, like the man with the straw 

Banks curtailed their loans in order 
that they might be prepared for anything 
which might happen. 

Liberty bonds touched new low 

Stocks and bonds of undoubted value 
were selling at prices way below that 
justified by both their intrinsic and earn- 
ing value. 

Interest rates increased beyond the 
legal rates allowed in many states in the 
frantic endeavor to draw capital to the 
various industries. 

And still the cry went out for yet 
greater economy. 


Why do the great financiers, the monied 
interests of the world, endorse and en- 
courage this cry for economy, but refuse 
to practice it? 

Do they understand the universal law 
of use and so know that the less the masses 
use their money the more will they need 
to economize and the longer will they re- 
main slaves in their consciousness and so 
be the easier to exploit? 

Should the practice of economy in the 
use of money be a wise provision and in 
full accord with the highest, best and 
greatest use of Energy under universal 
law, then economy is a wise practice in its 
application to all things and not simply 
in its application to the use of money. 

One of the very first things our coun- 
try did after declaring war was to call 
out all of our young men in order to train 


them for the arduous duties the work of 
a soldier entails. 

The army and navy officers did not 
economize in their work of developing the 
muscular and physical strength and the 
mental power of our boys, but went care- 
fully and systematically at work to bring 
it out and develop it to the uttermost. 

Man has learned that through the 
gradual, systematic and harmonious de- 
velopment of the muscles of his physical 
body he can increase his strength and 
power of endurance (that is, his ability 
to use Energy through his physical body) 
to an almost unlimited degree. 

He has also learned that by economiz- 
ing in the use of his muscles, or by using 
them inharmoniously and destructively, 
he impairs their usefulness, decreases his 
physical strength and power of endurance, 


and when this is persisted in for any 
length of time he becomes physically unfit 
and an easy prey to disease. 

We can, therefore, readily see and un- 
derstand that economy is not a universal 
law, but is a law which man, in his igno- 
rance, has made for himself. 

When we look with eyes that see we 
cannot help but read Nature's story every- 
where which is that abundance, extrava- 
gance even to the extent of profligacy, is 
the universal law. 

That the more we use of anything 
under the Law of Harmony the more of 
it do we have to use; while the less we 
use of it, economize in our use of it, or 
use it under the Law of Force, the less 
do we have of it to use. 

Let us apply this truth to the use of 


money from a National viewpoint and 
analyze the result. 

Prior to the breaking out of the great 
World War in 1914, Great Britain was 
always a creditor Nation. 

She became a creditor Nation by rea- 
son of the savings of her people as the 
result of their practicing economy. 

In other words she became a creditor 
Nation under the Law of Force by rea- 
son of her people straining, striving, 
scrimping, saving, denying themselves, 
economizing, in their expenditures in 
order to have something for a "rainy 

What was the result? 

The great World War came along and 
took away, under the Law of Force, all 
of her great savings so accumulated, 


and changed her from a creditor Nation 
to a debtor one. 

Before the World War the United 
States was always a debtor Nation, that 
is, it sent more money out of the coun- 
try each year than it received from other 

As a Nation the United States has 
always expended its money lavishly, ex- 
travagantly, profligately, and yet in the 
face of this fact and the further fact that 
she is the youngest of all the great 
Nations of the world, she is also the rich- 
est of them all. 

During the war she cancelled practi- 
cally all of her foreign indebtedness, and 
from being a debtor Nation at the begin- 
ning of the war she became a creditor 
Nation before the close of the war. 


Had it not been for her consciousness 
of the abundance of the supply of every- 
thing and her oneness with it, that no 
matter how much she spent there was 
always "plenty more" where that came 
from, she never would and never could 
have accomplished this result, to say 
nothing of financing her own war ex- 
penditures of twenty-five billions of dol- 
lars and the loaning to the allies of ten 
billions of dollars in addition. 

There always will be "plenty more" for 
her as long as she retains that kind of a 
consciousness and thought habit and 
works under the Law of Harmonv. 


The same thing is true of the in- 

When Ave eliminate the fear habit from 
our consciousness, whether it be the fear 
of a lack of money, health, love, strength, 

lesson! ONE 15 

courage, social position, business success, 
political power, or what not; 

When we cease to use our fear faculties 
and allow them to atrophy from disuse, 
using those of courage and harmony in- 
stead, we will begin the gradual develop- 
ment of great strength and power 
through the constructive use of our 

We will continue to grow in strength 
and power under these conditions until 
the day will come when nothing will be 
impossible for us to accomplish. 

Having acquired this consciousness 
under the Law of Harmony there will 
never be any desire to use our great power 
for any purpose other than that which 
will be for one's highest, best and great- 
est good. 

Policy will have ceased to be a control- 


ling factor in such a life, while principle 
and character will stand out strong, 
powerful and unconquerable. 

Let us go back a moment and study 
the effect of Secretary Houston's mes- 
sage of economy, made to our people at 
the outbreak of the war. 

This message so completely filled the 
imagination of our people with the 
thought and idea of economy that they 
stopped buying even some of the neces- 
sities of life, and at once business began 
to feel the full effects everywhere of this 
universal stoppage of trade. 

The people were deeply interested in 
carrying on the war to a quick and suc- 
cessful conclusion and were ready to do 
everything the Government officials 
thought necessary towards accomplish- 
ing this end. 


It was this fact that made them re- 
spond so quickly and thoroughly to the 
message of economy. 

The stoppage of all kinds of business 
was so quick, strong, powerful and com- 
plete, that the Government had to start 
other propaganda and urge the people to 
begin buying again to at least the extent 
of what they actually needed and for 
which they could pay. 

The Government discovered that to 
shut off the use of money through stop- 
ping its expenditure by economizing was 
like shutting off the flow of blood in the 
human body. 

The practice of economy in the latter 
case would cause the death of one very 
soon, but it is no more deadly to the body 
than is the shutting off of the life blood 
of the Xation deadly to the Xation. 


The continued free and uninterrupted 
circulation of money is as much of a neces- 
sity to the life of a civilized Nation as is 
the free and uninterrupted circulation of 
blood to the life of the individual. 

Interfere in any way with the blood's 
circulation and the individual's life is en- 

Interfere in any way with the money 
circulation of a civilized Nation of to-day 
and its commercial life is endangered. 

And yet everywhere in financial, busi- 
ness and political circles, all of which 
ought to know better, was heard the cry 
for economy and the censure of extrava- 

Extravagance of what? Material 

Suppose we should destroy everything 
man has ever created and which is in the 


world to-day we could replace them all 
in a comparatively short time. 

But destroy the consciousness, the 
feeling , the knowledge that we have the 
ability to do this; destroy our con- 
sciousness of the abundance of the 
supply and our oneness with it, that is, 
our ability to create, and there would be 
no hope for us anywhere. 

Those who have censured extrava- 
gance and preached economy are the most 
destructively extravagant of all for they 
would ignorantly destroy the conscious- 
ness and thought habit of abundance (in 
which all material things are first created) 
in their ignorant use of their power. 

The greatest and most destructive ex- 
travagance man can possibly commit is 
to grow a consciousness and thought habit 
of economy; this far transcends any ma- 


terial waste or extravagance he can other- 
wise express. 

A consciousness and thought habit of 
economy shuts man away from the uni- 
versal source of supply, curtails the pro- 
duction of material things — which are the 
symbols of wealth — and limits his rela- 
tionship with all material and spiritual 

Extravagance in the use of material 
things only destroys the material product 
after it is created, while in no way limit- 
ing the power to create or lessening the 
production, but tends rather to increase 
the latter. 

A consciousness of economy at first de- 
stroys the incentive to create and, when 
persisted in, will destroy the power and 
ability to create. 

A consciousness of economy is busi- 


ness and financial suicide by strangu- 

No greater and more complete, yet 
subtle and insidiously destructive power 
can come into the life of the individual 
or Nation than the development of a con- 
sciousness of economy. 

It is far more dangerous and destruc- 
tive than is T.N.T., the most powerful 
explosive known, for it is more subtle and 
far reaching in its action; its greater 
danger lies in its being less liable to be 
recognized or understood as being dan- 
gerous and destructive. 

No more sure and certain prophecy of 
the decline to abject poverty of individual 
or Nation can be found than is the de- 
velopment of a consciousness and thought 
habit of economy. 

I know this is heresy of the greatest 


kind; that all our former teachings and 
preconceived ideas are against this kind 
of philosophy. 

So are all of the teachings of the Sears 
Philosophy heretical to our old beliefs. 

That is why it is the Sears Philosophy , 
and why the Sears Philosophy, is differ- 
ent from every other science, philosophy 
and religion with which the world is 


Questions for Lesson One 

1. What is the most important thing to you 

which this Lesson teaches? 

2. What kind of a consciousness and thought habit 

has the world been unconsciously develop- 

3. How may we use our old clothes construc- 


4. What truth is taught herein that is funda- 

mental to the Sears Philosophy? 

5. What is the effect of the world concentrating 

on economy? 

6. What was the effect of our Government's 

call on the people to economize when the 
U. S. entered the great World War in 1917? 

7. What was the effect again in 19*20? 

8. Is the practice of economy a constructive or 

destructive principle, and why? 

9. Is the practice of economy a universal law or a 

man-made law, and why? 

10. What is the universal law that Nature 


11. How did Great Britain become a creditor 



12. How did the United States become a creditor 


13. Which character of consciousness is the more 

constructive, and why? 

14. Why will there always be " plenty more "? 

15. What is one of the destructive habits necessary 

to eliminate, and why? 

16. What is the difference between " policy " and 

" principle"? 

17. Is it good economy to stop the flow of blood in 

one's veins? Why? 

18. Why did the Government change its economy 

message of 1917? 

19. What is the destructive feature in the prac- 

tice of economy? 

20. Why is a consciousness and thought habit of 

economy more destructive than any material 
waste or extravagance ? 

Copyright, 1921 F. W. Sears, M.P. All rights reserved. 



The Extravagance of Economy 

by F. W. Sears, M.P. 

Lesson Two 

The Sears Philosophy is based on an 
unlimited fundamental principle: — the 
manipulation of universal Energy, the 
power that creates all form and gives life 
to it. 

All other teachings, scientific, philo- 
sophical and religious, are based upon a 
limited fundamental : — the manipula- 
tion of form after it has been created. 

Methods, which are the manner, sys- 
tem, creed, dogma, rules, regulations, 
technique, by which all form is manipu- 



lated, are the all important thing with all 
scientific, philosophical and religious 

The consciousness and thought habit 
with which all methods are used is the all 
important thing in the Sears Philosophy 

This is why we teach those who want 
to learn, to receive and use the Sears Phi- 
losophy to whatever extent they are able 
to do so, accepting only as much of it 
as becomes a truth to them, for it is only 
that much one can use constructively. 

We can prove the truth of whatever we 
really want to prove. 

When we are satisfied to prove only a 
limited interpretation of life then it is 
worse than useless for anyone to attempt 
to make, force or compel us to prove a 
larger interpretation. 


Ex-President Wilson once said: "War 
is worth the cost can the Nation be taught 
to save." 

This was the biggest truth he knew at 
that time. 

Is it the biggest truth you know, or 
want to know? 

Is it the biggest vision possible for any- 
one to obtain? 

When we examine the history of Na- 
tions we find that the more freely their 
wealth has been circulated the more pros- 
perous have they been. 

Never in the history of the world have 
the masses had so much wealth, and 
never has the world generally prospered 
so much as during the last half century, 
barring the period of the World War. 

The prosperity of Nations began to 
decline only as wealth became centralized 


in the hands of the few and its free circu- 
lation was curtailed. 

This also holds true in the case of the 

The United States is the most prosper- 
ous Nation in the world's history. 

Its people, individually, are the most 
prosperous of any Nation in the world's 

Its people are the most intelligent and 
enlightened, taken as a whole, of any 
Nation in the world's history. 

Its people have always been the most 
extravagant and wasteful of any Nation 
in the world's history. 

They have never saved their wealth by 
denying themselves what they wanted, 
as have the people of other Nations. 

Their savings, as a people, have been 
their surplus over and above what they 


wanted to expend for their comfort, edu- 
cation, pleasure and upliftment, instead 
of being made at the expense of these 

They have always spent their money 
with a prodigality which caused the peo- 
ple of other Xations to gasp in astonish- 
ment and believe we were all millionaires. 

It is not what man either spends or re- 
tains which counts, but it is the conscious- 
ness with which he does either one. 

As the result of our Government's call 
for the people to economize, their imagi- 
nation became filled with the fear that 
unless they scrimped and saved down to 
the very last crust the war might be lost. 

Probably no one went hungry, naked 
or shelterless in order to effect a greater 
saving. In fact the "saving" was un- 
doubtedly made up from what had hereto- 


fore been wasted rather than from any 
real savings made because of self- 

Such "savings" were, therefore, really 
a surplus which had never been used 
before, rather than the effect of any real 

Had the "saving" been made with the 
consciousness of its being a surplus over 
and above what we needed or could con- 
structively use ourselves it would have 
been alright, for the image such a con- 
scionsness stamps on the imagination is 
one of an abundance and our oneness 
with it. 

But when such "saving" is made with 
the consciousness of its being necessary to 
economize then it is most destructive for 
it stamps an image of lack on the imagi- 
nation and creates a consciousness of our 


separation from the abundance of the 

The objective effect of filling the imagi- 
nation of the people with the thought of 
economizing did not begin to wear off 
until the extravagant expenditures of the 
Government began to show forth in its 
conduct of the war. 

Under the stimulus of the Government 
large buildings were erected almost over- 
night. Cities doubled their population 
in a few weeks time. Entire new towns 
sprang up with all modern improve- 
ments in a few months. 

All kinds of labor, both skilled and un- 
skilled, was in great demand, receiving as 
much for a day's pay in many cases as 
it had received for a week or more before. 

Women were used in all kinds of work, 
receiving as much in their weekly pay en- 


velope as they had earned in a month or 
more before. 

With all these conditions existing it is 
no wonder that hundreds of men became 
millionaires in a few months time. 

The huge war expenditures of our Gov- 
ernment and the readiness with which bil- 
lions of dollars were raised to pay the bills 
soon filled the imagination of the people 
with the image of an abundance and gave 
them a most opulent vision of the im- 
mensity of the supply, coupled with one 
of extravagance and profligacy. 

Business began to pick up again all 
over the country; prices commenced to 
soar; profiteers started to make their 
plans for cornering the supply of neces- 
sities, with the result that by the close of 
the war all kinds of labor had doubled 
and tripled its wage, shortened its hours 


of work, and was living better than a king 
did a hundred years ago; while the lux- 
uries at the command of the wealthy were 
beyond the wildest dreams of even a gen- 
eration ago and made the stories of the 
"Arabian Nights" seem common-place 
and ordinary. 

The new image of opulence and the 
vision of the abundance of the supply of 
everything which was unconsciously held 
before the people of the United States 
by the immense war expenditures and the 
supplies gathered for war purposes; the 
immense sums of money obtained from 
the people through taxation and war 
loans, gave them such an inspiration of 
abundance and lifted them so high up in 
the opulent currents that there would 
have been no stopping of their business 
success, trade expansion, and the gather- 


ing in of the wealth of the world, had they 
remained in and related to these currents 
of opulence and abundance. 

But this was not possible with the con- 
sciousness and thought habit of in- 
harmony which prevailed among them 
and laid back of all their words and ac- 
tions, and the consciousness of the Law of 
Force which had been used by both 
capital and labor in obtaining their tem- 
porary prosperity. 

Shortly after the armistice was signed 
Government officials again began to send 
out warnings for the people to begin to 
economize so the immense war debt could 
be taken care of and the Nations of 
Europe aided in their work of recon- 

The so-called labor class was not yet 
ready to give up its image of opulence 


and abundance and return to its old eco- 
nomical ways of living. 

The abundance of the supply in which 
the people had reveled was like a glimpse 
of heaven and they were loth to give 
it up. 

They had never been taught how to ac- 
quire a consciousness and thought habit 
of the abundance of the supply and their 
oneness with it under the Law of 

They only knew the Law of Force and 
its use and so they took the only means, 
used the only methods, adopted the only 
systems with which they were familiar, in 
order to retain their condition of abun- 

This was the use of force, either phys- 
ical or mental, by which they could make 
or compel others to do their bidding. The 


result was that strikes, shut-downs and 
lock-outs became the order of the day. 

No line of business and no community 
of people anywhere in the country were 
free from the effects of this condition. 

Strikes to force increased pay and 
shorter hours are simply one of the 
methods the Universal Law uses to bring 
man back to a limited environment when 
he has used force, either physical or 
mental, to take him beyond the kind of 
an environment his consciousness and 
thought habits have grown for him. 

When man succeeds in obtaining im- 
proved conditions and increased pay as 
the result of his forcing, making or com- 
pelling it to come to him through strik- 
ing, profiteering, sweating, bribing, or in 
any other forceful way, no matter how 
legitimate it may be considered under the 


law of the land, he always uses such im- 
proved conditions and wealth so obtained, 
in an inharmonious and destructive way 
which reacts upon him in due process of 

We need only to study Germany's won- 
derful history of industrial growth since 
1870 and prior to the war to fully appre- 
ciate this truth. 

There never is any real injustice in the 
world; it only seems such to our human 
consciousness because we do not look 
deeply enough into the universal law of 
cause and effect or action and reaction. 

Man is always entitled to everything 
he gets, no matter how he gets it, for he 
can never get anything, good or bad, 
which he has not built for himself in some 
way through the character of the 


thoughts he has allowed to persist in his 
thought world. 

When he gets what he does not want 
there is no one upon whom he can justly 
place the responsibility but himself. 

That he does his work ignorantly, un- 
knowingly and unconsciously makes no 
difference to the Universal Law for it is 
always at work, but it does make the big- 
gest kind of a difference in the effects 
which man receives. 

The universal law under which we ob- 
tain a thing, whether it be the Law of 
Force or the Law of Harmony, deter- 
mines our use of that thing be it money, 
health, love, courage, strength, friends, or 
anything else. 

That man has obtained almost every- 
thing he has ever had through using the 
Law of Force does not prevent him from 


obtaining still more for a while, but it 
does affect his use of it and his ability to 
retain it. 

The time comes when he finds his ability 
to obtain what he wants grows less and 
less the longer and more powerfully he 
uses the Law of Force. 

The people of the United States as a 
whole have had less of this consciousness 
and thought habit of force than have those 
of oliier Nations. 

This is one reason why their souls have 
been born into physical bodies which had 
their birth in this country, or else why 
they have emigrated here after they were 

It has been possible for one to relate 
with and produce the materialized abun- 
dance here in the United States much 
easier than in anv other country. The 


result has been to create a conscious- 
ness among its people of there always 
being "plenty more where that came 

It has been with this kind of a con- 
sciousness its people have always spent 
their money, and so there always has been 
"plenty more" for them as a Nation. 

So extravagant and prodigal (uncon- 
sciously so perhaps) are we in the ex- 
penditure of our national wealth th5t we 
pay out over a billion dollars yearly to 
foreigners for the carrying of our exports 
to foreign countries instead of having our 
own shipping with which to do this work 
and so retain that vast amount of wealth 
in our own country besides giving us an 
ample merchant marine in case of any 

The history of the United States and 


its people is all against the practice of 
economy. It verifies and upholds the 
teaching of the Sears Philosophy in this 

Great wealth in the banking and com- 
mercial worlds has only been possible 
through the free and lavish expenditure 
of money. 

Vast sums have been made in business 
through the most extravagant expendi- 
ture of money in advertising some simple 
thing and so creating a Nation wide de- 
mand for it. 

This does not mean that all money 
prodigally, lavishly or extravagantly ex- 
pended will bring abundant returns or 
is constructively expended. 

We can always do everything in two 
ways, constructively or destructively ; 


under the Law of Harmony or the Law 
of Force. 

The consciousness with which we do 
things; the consciousness with which we 
expend or use our money, curtail our 
expenses, or "save" our money, deter- 
mines whether the effect Avill be construc- 
tive or destructive. 

This is a wonderful truth which can- 
not be brought to your attention too 
often, nor made too strong, nor em- 
phasized too much. 

This does not mean, either, that man 
having already grown a consciousness of 
economy should at once begin to express 
extravagance before he has even began to 
grow a consciousness of abundance and 
his harmonious oneness with it. 

That would be almost as destructive as 


to continue to grow a consciousness of 

It does mean we should first begin to 
grow a consciousness which will enable 
us to spend what money we do use with 
a consciousness of freedom from all fear 
of lack or the need to ever economize at 
any time. 

Each day we should express as much 
of this new consciousness in our expendi- 
tures as we can without fear or the pos- 
sibility of regretting our action. 


Questions for Lesson Two 

1. What is the most important thing to you which 

this Lesson teaches? 

2. Upon what fundamental principle is the 

Sears Philosophy based? 

3. What is the basic principle of all other teach- 


4. What is the all-important thing with such 

teachings ? 

5. What is the all-important thing in the Sears 


6. Is the principle of " saving " in itself a con- 

structive one, and why? 

7. Why has the United States been the most 

prosperous of Nations? 

8. What is the important thing in spending or 

" saving " money, and why? 

9. When saving is the result of a surplus what is 

the effect? 

10. When saving is the result of economizing what 

is the effect? 

11. What was the effect on our people of our 

Government's extravagant war expendi- 


12. Why did not prosperity for the people con- 

tinue uninterrupted? 

13. What universal law was used in creating their 

prosperity, and why was it sure to fail 

14. When man obtains improved conditions be- 

yond that which his consciousness has 
grown for him under the Law of Harmony, 
what is the result? 

15. What determines our use of anything we 


16. Why is there no real injustice in the world? 

17. What is one of the causes for souls being born 

in the United States? 

18. Why have the people of the United States 

always had " plenty more " with which to 
meet all demands made on them as a 

19. Does the history of the United States and its 

people favor the practice of economy? 

20. What should first be done before expressing 

an extravagant consciousness, and why? 

Copyright, 1921 F. W. Sears, M.P. All rights reserved. 



The Extravagance of Economy 

by F. W. Sears, M.P. 

Lesson Three 

The objective world teaches that Na- 
ture is a prodigal, lavish, extravagant 
producer and spendthrift. 

There is no evidence anywhere of Na- 
ture ever saving, scrimping or economiz- 
ing in anything. 

Everywhere does Nature teach and use 
the abundance and unlimited supply of 

Man alone has a consciousness of there 
being any limitation of the supply. 

Man alone has a consciousness of his 



separation from the abundance of the 

Man alone has a consciousness of limita- 
tion and separation which seems to make 
the practice of economy necessary. 

Man has never suffered from lack be- 
cause of any limitation or economy prac- 
ticed by Nature. 

Man relates with lack (even while he 
is in the midst of an abundance of what- 
ever he wants) because his consciousness 
and thought habits are too inharmonious 
to relate him with the abundance. 

When man begins to economize in the 
use of anything he then begins to lose his 
power to use it; also his ability to relate 
with and acquire it. 

One of my students wanted to arise 
earlier than usual, so I instructed him to 
charge his astral mind with the hour he 


wished to arise when he went to bed the 
night before. 

He awakened promptly at the hour 
designated, but decided not to arise and 
went to sleep again. 

Since then he has attempted to awake 
earlier than usual on several different 
occasions, but failed to do so and asked 
the reason why. 

It was simply because he failed to use 
his power and so has lost the use of it in 
that direction for the time being. 

We can always regain the use of any 
of our power or faculties, but it is more 
difficult to do so when we have played 
with them, or used them destructively 
under the Law of Force. 

Let man cease to use his hands and 
feet for a few years and they would 
atrophy from disuse. 


The effect of our failure to use any of 
our faculties is not usually noticed so 
quickly as in the above case, but such 
effect always comes in due time. 

Nature, or God — the great Universal 
Law — always relieves us of everything 
we do not use, or which we may use de- 
structively. The process is frequently so 
slow we do not realize it, but it goes on 
just the same. 

This is the way we get rid of anger, 
hate, worry, fear, anxiety, poverty and 
lack of all kinds; we cease to use them; 
cease to live in the consciousness of our 
oneness with them; they then begin to 
cease to exist for us in just the degree 
we cease to use them. 

To economize in our use of money, that 
is, to spend money with the consciousness 
that it is necessary to economize, is to 


create a consciousness which not only sees 
and believes in lack, but which also sees 
our separation from even what little 
money our consciousness still believes 
there is. 

When this is persisted in the ultimate 
effect can only be to relate us with poverty 
and lack. This is one reason why children 
are born into an environment of poverty 
and lack of all kinds. 

The creation of a consciousness of 
economy in the use of money not only re- 
sults in shutting us away from money, but 
it extends to all other things in due time, 
for this is a universal law and is applicable 
to all things; not just money alone. 

This is why "the poor ye have always 
with you." They have a consciousness 
and thought habit of lack and their 
separation from the abundance of the 


supply of everything, and so can only re- 
late with lack as long as they retain such 
a consciousness. 

We want to remember that man is 
clualistic in his form, that is, he is both 
material and spiritual; human and divine. 

The human part of man possesses the 
physical and mental states of conscious- 

The divine part of man possesses the 
soul and spiritual states of consciousness. 

Primitive man, not having developed 
the mental faculties, lived in his physical 
consciousness which was inspired by the 
wonderful dreams and visions of his soul 

The result was he lived in a literal 
Garden of Eden and its Paradise of lux- 
ury, with an abundance of everything at 
his command. 


All he had to do was to "help himself 
to whatever he wanted. There was no 
personal ownership. Everything was 
furnished him without work, effort, strain, 
striving, worry or anxiety. 

Life was one long glad song of joy 
and happiness as he had nothing to do 
but to "eat, drink and be merry." 

This condition apparently palled on 
him and he became lazy, indifferent and 
insensible to the finer consciousness of his 
soul vision. 

He allowed the harmonious union be- 
tween his physical and soul consciousness 
to atrophy from disuse by reason thereof, 
and so did human man gradually become 
separated in his consciousness from 
divine man. 

It has been from this faint recollection 
of the former union with the divine man 


within us that human man in all ages has 
created his personal God and made such 
God separate and distinct from himself. 

We want to bear in mind that this 
separation has only occurred in man's 
consciousness; not between the human and 
divine forms themselves. They remain 
connected as long as the physical body 
lives, and because of this fact it is always 
possible to reunite them in their conscious- 
ness as well as in their forms. 

This separation in consciousness was 
the natural effect of the causes which pro- 
duced it. It was simply the effect of uni- 
versal law which is unchangeable, im- 
mutable, irrevocable. 

While universal law is unchangeable, 
immutable, irrevocable, our use of it is 
changeable at any time we so desire and 
because of this fact man can, through his 


own work upon himself, use this same 
universal law to grow back the conscious- 
ness of union he has so ignorantly and 
unknowingly lost. 

Progression, evolution, involution, un- 
foldment, development, the finer form 
working through the coarser and the 
coarser being used and refined by the 
finer, this is the law of life everywhere on 
all planes of consciousness. 

Life is activity, motion, action, use. 
No standing still anywhere. 

As human man began to lose the con- 
sciousness of his union with his soul con- 
sciousness he felt the need of some faculty, 
greater than his physical consciousness, to 
guide and direct him in the material 
world and with which to communicate 
with his fellow-man. 

This was the beginning of the growth 


and development of his mental conscious- 

The mental consciousness was first 
formed from the emanations, the essence, 
the finer atmosphere, the perfume, of the 
physical consciousness. 

As man's mental power grew and de- 
veloped strength and power he came to 
believe that the power which controlled 
people and things was that exercised by 
his mentality (but this was only partly 
true) and so he used every effort to culti- 
vate, refine and make it still stronger and 
more powerful. 

The real controlling power in the use 
of Energy on every plane of conscious- 
ness, is thought; not mental power. 

Mental power is only the limited use 
of thought by the human mind, just as 
physical power is only the limited use of 


thought by the physical cell conscious- 

Soul power is the more unlimited use 
of thought by the soul mind; while 
spiritual power is the still greater, finer, 
more subtle and powerful use of thought 
by the spiritual mind incarnate in man. 

Human man's use of thought by the 
physical and mental consciousness relates 
him with the limited universal currents 
where only the lesser ideals, visions, ex- 
pressions and supply exist. 

Divine man's use of thought by the soul 
and spiritual consciousness relates him 
with the unlimited universal currents 
where the larger and more unlimited 
ideals, visions, expressions and supply are 
to be found. 

Human man, through his physical and 
mental states of consciousness, only con- 


tacts the material things of the objective 
world, that is, the slower vibrating and 
more dense forms which his physical 
senses can cognize. 

Human man never contacts the un- 
limited source of supply from which came 
the material that produced these slower 
vibrating forms. He only knows of them 
through the divine man within him. 

The materialized supply is always 
limited no matter how abundant it may 
seem to be. 

The unmaterialized supply of every- 
thing, that is, the universal substance 
from which all form is made, is unlimited. 

The more we use of it under the Law 
of Harmony with which to create form 
of all kinds the more there is of it for 
us to use. 

Divine man, through his soul and 


spiritual consciousness, contacts the un- 
limited source of supply — the unlimited 
universal substance — from which all ma- 
terialized form is created. 

Human man, contacting or relating 
with only the material supply, always at- 
tempts to protect himself against some 
possible shortage in the material supply 
which he fears may exist at some future 

This he does by accumulating a surplus 
of the material supply beyond what he 
either needs or can use for the time being, 
as did some of the Israelites in their 
travels through the wilderness in the 
gathering of the daily supply of manna. 

Human man's consciousness of the 
necessity for such accumulation is the 
basis for his idea of economy. 

Human man, being limited in his vision 


to that with which he can contact by his 
physical senses, is always dominated by 
the visible supply of a thing and his rela- 
tionship to it. 

This is why human man sees lack and 
the need of protecting himself against it 
by economizing in his use of the visible 

The practice of economy makes for re- 
pression, inactivity, non-use, and so shuts 
one away from the supply. 

The human mind can only understand 
its union with or separation from that 
which is materialized — never the source 
from which it came. 

In seeing its separation from the ma- 
terialized supply, which causes it to 
economize, the human mind fails to see or 
understand that the more it economizes, 
represses itself from vising, the more it 


continues to separate itself in its con- 
sciousness (where union or separation 
must and does first occur) from the uni- 
versal supply, and the more will it have 
to continue to economize as long as it 
continues to grow its consciousness of 

Several years ago a man came to me 
saying his income had been so reduced 
that he could not afford to retain his 
present home and so he would have to 
get a less expensive place. 

I told him he could take a cheaper place 
and then when his income was still further 
reduced later on he could take a still 
cheaper one and keep on doing this until 
he found himself out in the street. 

Or, he could change his consciousness 
and thought habits, increase his income 
and remain in the home where he was or 


move into a still better one as he might 

This man decided to take the latter atti- 
tude with the result that his income was 
materially increased in a few months and 
continued to increase with each succeeding 
year ever since then. 

When man lives in the larger and more 
unlimited vision his soul and spiritual 
consciousness give to him he relates with 
the currents from which the few kernels 
of corn planted in the ground draw the 
material for stalk, stem, leaves, and 
ripened corn at harvest time. 

Man then sees this unlimited supply 
and relates with its source the same as 
does the intelligence in the kernels of 
corn, and so relates with it in his con- 
sciousness the same as does the corn. 

Man's soul consciousness, using 


thought with which to manipulate Energy 
by finer methods than is possible with 
either his physical or mental conscious- 
ness, relates with the material abundance 
as did Moses, Elijah and Jesus of old. 

We can establish this relationship and 
get what we want under either one of 
two universal laws: The Law of Force 
or the Law of Harmony. 

Forms, things, conditions may be 
created and relationships established 
under either one of these two laws. 

Every effect is always preceded by the 
causes which produced it, and every action 
is always followed by its corresponding 
reaction. This is again universal law, un- 
changeable, immutable, irrevocable. 

The universal laws always work in ex- 
actly the same way. When we know this 
we only have to begin to change our use 


of them in order to begin to change their 
effect on us. 

Changes in habits of thought and the 
consciousness created thereby, are not 
made in a day, nor by making an affirma- 
tion a few times. 

A consciousness of abundance and our 
harmonious oneness with it can only be 
grown when we have begun to plant the 
harmonious thought seeds and continue 
our cultivation of them. 

A consciousness of economy is a char- 
acteristic of the human consciousness 
which has been handed down to the 
human race for hundreds of generations, 
and so it has become a strong race thought 
habit which is not going to be changed by 
the wave of some magic wand. 

But each life can begin to change it 


We can begin now to grow a con- 
sciousness and thought habit of harmony 
and our oneness with the universal abun- 
dance of the supply which, as it grows 
and increases from our continued use, will 
lift us out of the limited currents into 
which our economy consciousness has kept 
us and bring us into relationship with the 
finer and more unlimited currents from 
which we may draw a supply so unlimited 
as to be past the wildest dreams of the 
most avaricious human mind. 

We will draw our supply from the 
same unlimited and inexhaustible source 
as do the corn, wheat, trees, flowers, the 
infant in our arms, and all other forms 
of material life, until like man they learn 
to practice economy. 

A consciousness of economy is man's 
greatest extravagance for it invariably re- 


lates him with poverty and lack in due 
process of time. 

A consciousness of abundance and our 
oneness with it under the Law of Har- 
mony is man's greatest asset and is an 
uncancellable insurance policy against 
poverty, lack and all other limitations. 

We can all grow such a consciousness 
and thought habit. 


Questions for Lesson Three 

1. What is the most important thing to you 

which this Lesson teaches? 

2. What lesson does the objective world teach 

about Nature economizing? 

3. Why does man relate with lack when there is 

an abundance of everything all around him? 

4. What is the effect of man's economizing in the 

use of anything? 

5. What is the result when we fail to use our 

power along any line? 

6. Can we regain the use of our power, or of any 

of our faculties, when we have once lost it? 

7. How do we get rid of anger, hate, worry, fear, 

anxiety, poverty and lack of all kinds? 

8. When we economize in the use of money what is 

the ultimate effect? 

9. Why is it that " the poor ye have always with 


10. Is man monistic or dualistic, and why? 

11. What states of consciousness does human man 

express ? Also divine man ? 

12. What was the effect on primitive man of living 

in his Garden of Eden? 


13. Where has the separation of human man from 

divine man occurred? 

14. What is the real controlling power in the use 

of Energy? 

15. What is mental power, or mental force? 

16. What is soul power? 

17. With what currents does human man's use 

of thought relate him? 

18. With what currents does divine man's use 

of thought relate him? 

19. Why does human man see lack and the need 

for economy? 

20. What is the effect of human man living in the 

visions of his soul consciousness? 

Sears Philosophy 

makes life livable and lovable. 

"The Book* Without an If" 

teach how 


The Psychology of Use 


The Extravagance of Economy 


F. W. Sears, M.P. 


Copyright, 1921, F. W. Sears, M.P. All rights reserved. 


It has been deemed advisable by the 
Author in this case to depart from his 
usual custom in his other Correspondence 
Courses of not preparing or publishing a 
standard set of answers to the questions 
at the end of his Lessons. 

He has, therefore, prepared answers to 
all questions asked in this Course of 
Study and presents them herewith in con- 
nection with the Lessons. 

The student should understand that 
the world is filled with people who possess 
great knowledge, but who lack wisdom 
and understanding simply because they 
have failed to use their knowledge. 

The learning of the answers to the ques- 



tions in this Course of Study will enable 
the student to obtain the knowledge they 
contain, but unless he is persistent in the 
use of such knowledge he will not gain 
the wisdom and understanding which he 
can otherwise acquire through its use. 

Continued and persistent use of the 
knowledge taught in these Lessons will 
enable the student to develop the con- 
sciousness and thought habit by which 
he can relate with a constantly increasing 
abundance of anything he may desire, for 
the universal law of harmonious use is 
applicable to all things and is not confined 
simply to money and muscle. 

While the Author has no desire to 
proselytize, nor convert anyone, through 
argument or otherwise, he is always ready 
to answer any question and give any fur- 
ther explanation of any point in these 


Lessons upon which the earnest student 
may wish additional information. 

There is no charge for this service as 
it is included in the regular price of the 
Course of Study. 

Questions outside of and not germane 
to the Lessons cannot be considered by 
the Author except by special arrange- 

The Author. 

Answers to Questions 


The Extravagance of Economy 
Lesson One 

Question No. 1. — That the way to get 
rid of any habit is to cease to use it. 

As every thing begins and ends in the 
consciousness, the way to stop using a 
thing is first to begin to stop thinking 
of it. 

A consciousness of economy destroys, 
through disuse, one's power to create; it 
closes the channel to our creative power. 

Question No. 2. — As the result of the 
practice of economy man has been de- 
veloping a race consciousness and thought 



habit of limitation which has gradually 
separated him from the abundance of the 
supply of everything. 

This consciousness and thought habit 
of economy has become so deep seated in 
many of the race that it extends even to 
their use of air with the result, it is now 
claimed by medical science, that 75 per 
cent of the children born are predisposed 
to the dread disease tuberculosis. 

The human race must soon begin to 
learn the constructive use of everything 
and cease its economizing in the use of 
anything or its power to use things con- 
structively will continue to grow less and 

Question No. 3. — When we use them 
with the consciousness, the thought, the 
feeling, of being really able to get some 
good use out of them, rather than with 


the consciousness j thought or feeling of 
economizing or saving. 

Question No. 4. — That it is the con- 
sciousness, the thought, the feeling, back 
of our act, not the act itself, which de- 
termines whether the effect on us is con- 
structive or destructive, harmonious or in- 

This is not only fundamental in the 
Sears Philosophy, but it is especially dis- 
tinctive to the Sears Philosophy for it has 
never been taught elsewhere in the his- 
tory of the world. 

Question No. 5. — It feels poor. Every 
Nation suffers from business stagnation 
as the result of its economy consciousness. 

The more it teaches and practises 
economy the greater becomes its reason 
for such practice and the more acute the 
necessity for it. 


Question No. 6. — Buying was limited 
to the barest of necessities, and business 
everywhere came to such a sudden stand- 
still the Government became frightened 
at the effect. 

So great and sudden was the change 
the Government at once sent out an 
appeal for the people to spend some of 
their money and not completely stop the 
commercial life of the country. 

Question No. 7. — The people did not 
respond so suddenly and so the effect was 
more gradual, but none the less the same 
as in 1917. 

Factories of all kinds were closed down ; 
thousands of men thrown out of employ- 
ment; strikes indulged in; employers cut- 
ting down wages; business demoralized; 
stocks and bonds reached new low levels 
in price ; and all this the outcome of man 


growing a consciousness of economy and 
so shutting himself off from the universal 

Question No. 8. — Most destructive, 
first, because the apparent necessity for 
economy implies limitation, a shortage in 
the supply, a necessity for lessening our 

USE is the determining factor in uni- 
versal law which governs man's relation- 
ship with supply, and when man cuts 
down his use of anything the universal 
law accepts his act as his standard and so 
gives him the lack which his non-use indi- 
cates he desires. 

Destructive use, that is, use under the 
Law of Force, is also another sign to the 
universal law to curtail the supply for 
such use destroys. 

Constructive use, that is, use under the 


Law of Harmony, is the sign to the uni- 
versal law to not only continue the supply, 
but to gradually increase it right along 
as fast as the user may be able to find 
additional constructive use for the in- 
creased supply. 

It is never the thing we use it for which 
determines whether our use is construc- 
tive or destructive, but it is the conscious- 
ness with which we use it. 

Question No. 9. — Man made. Because 
there is nothing in the Universe that prac- 
tices economy except man. 

As fast as the individual gets big 
enough to see this truth and then live it 
under the Law of Harmony does he cease 
to have need to practice economy in any- 

Question No. 10. — Abundance, profli- 


gacy, extravagance, everywhere. No 
limitations anywhere. 

Take the matter of food as an illus- 
tration. Man is only limited in his supply 
by the amount of ground he prepares, 
plants and cultivates. In fact, he is not 
even limited to that for Nature provides 
an abundance of food in different sec- 
tions of the world will he go where it is. 

Question No. 11. — Through the prac- 
tice of economy, that is, by depriving 
itself of many necessities and luxuries; 
denying itself many pleasures and enjoy- 
ments, and "saving" the money it would 
otherwise have expended for these things. 

Question No. 12. — By having a surplus 
over and above that which it wanted to 
spend for necessities, luxuries, education, 
pleasure, entertainment, etc., and know- 
ing that no matter how much money it ex- 


pended " there was plenty more where it 
came from." 

Question No. 13. — The extravagant 
consciousness, for it has a big enough 
vision to see the abundance of the supply, 
and when such a consciousness expresses 
the Law of Harmony its use of money 
and everything else is constructive. 

Question No. 14. — Because that is the 
law such persons make for themselves, 
just as the other class make economy and 
its limited supply the law for them, and 
so the universal law works out in material 
form for us according to our model. 

Question No. 15. — The fear habit. Be- 
cause its consciousness always relates us 
with the inharmonious currents where the 
lack is to be found which causes us to 
believe the practice of economy is neces- 


Question No. 16. — Policy does not 
know the law and so is always looking 
for results and filled with doubt because 
they do not seem to come in just the way 
it expects. 

Principle knows the universal law; 
knows it is unchangeable, immutable, ir- 
revocable. Knowing this it also knows it 
is not necessary to keep looking for re- 
sults. Results cannot help coming any 
more than the Sun can help shining. 

The results may be obscured by dark- 
ness just as is the Sun sometimes, but the 
Sun still shines whether or not we see it, 
and the results of principle are there just 
as surely and in just the degree we have 
intelligently and harmoniously used the 

Question No. 17. — No. Because it 
would mean death to the individual. 


Blood is the physical vehicle which car- 
ries life to every part of the body and 
carries off the waste, the old and dead 
matter. To stop its flow would be to stop 
life in the body. 

Money is to the commercial life of a 
Nation what blood is to the body, and the 
effect of the stoppage of the flow of 
money would be the same to its commerce 
as would the stoppage of the flow of blood 
be to the body, which is death. 

Question No. 18. — Because the effect 
of its economy message was too plain to 
be misunderstood, and so the only thing 
to do was to get the people to begin 
spending their money again. Quick ac- 
tion was necessary or the life of the Na- 
tion would be imperiled to a far greater 
extent even than the war with Germany 


Question No. 19. — Destroying the con- 
sciousness of abundance. 

Through decreased demand, and the 
non-use of our power to fill the demand, 
we gradually decrease our power and 
ability to supply even the lessened de- 

Creates a consciousness of separation 
from the abundance of the supply. 

Gradually destroys our power and 
ability both to use and to create, as well 
as the incentive. 

Question No. 20. — Because it is more 
subtle and far-reaching in its action; is 
not recognized nor understood as being 
either dangerous or destructive; it de- 
stroys incentive to use and create, and is 
everything a constructive and harmonious 
life does not want. 

Answers to Questions 


The Extravagance of Economy 

Lesson Two 

Question No. 1. — The subtle difference 
between manipulating the universal 
Energy, and that of only manipulating 
the form, whether such form be material 
or spiritual. 

Question No. 2. — The manipulation of 
universal Energy by the consciousness 
and thought habits. 

This means we first, knowingly, create 
what we want in our thought world, 
recognize our oneness with it now, and 



then see that only such thoughts as are 
harmonious in their character are allowed 
to come and persist with us. 

Question No. 3. — The manipulation of 
the form. 

This means attempting to influence the 
person or thing, whether such form be 
material or spiritual. 

To attempt to persuade, coerce, bribe, 
force, make, compel, frighten, reward, 
punish, praise, or in any way control the 
action of either God or man in getting 
them to do that which we want done. 

The motive back of our want, as well 
as the question of whether the external 
action is "good or bad," is immaterial. 

The Author is aware this is the rankest 
kind of heresy to all our former teachings 
of science, philosophy and religion, but it 
is the greatest truth of them all, and he 


who really wants to prove its truth for 
himself can do so. 

Question No. J±. — The methods used. 
Methods are the forms, ceremonies, rules, 
regulations, systems, technique, mode of 
procedure, man uses in doing things; in 
expressing the universal Energy. 

Each sect, cult, class, political, social, 
business, economical and other division of 
society, claim their method is the only one 
which is right, and their method should 
therefore be used as a matter of policy 
without regard to any principles or uni- 
versal laws it might violate. 

The claim is further made that their 
method being the only one which is right 
it cannot therefore violate any principles, 
but is and must be infallible. 

Question No. 5. — The consciousness 


and thought habit with which the method 
is used. 

No matter what method one may use, 
unless the consciousness and thought 
habit, the feeling, back of its use is har- 
monious and constructive, the effect on 
the user cannot be harmonious and con- 
structive even though the user be highly 
successful otherwise, as gauged by the 
usual standards of man. 

When the consciousness and thought 
habit is harmonious one can use any 
method he desires with success and the 
effect on him can only be constructive and 

Question No. 6. — Xo. One can only 
have a consciousness of lack and his in- 
ability to relate with the universal abun- 
dance of supply or he would not have the 


desire to save for the sake of saving. He 
would know there was no need of saving; 
that there was an abundance of every- 
thing; that he had a consciousness which 
was so harmonious and constructive it 
would never separate him from the abun- 
dance of the supply. 

The character of a consciousness which 
finds it necessary to save gradually shuts 
one away from relating with abundance 
and so makes saving a necessity to such 
persons as long as they continue to grow 
that kind of a consciousness. 

While the universal law they are using 
is unchangeable, immutable, irrevocable, 
their use of it is changeable and they can 
"about face" in their use of the law and 
begin to create a consciousness and 
thought habit which will relate them with 
the abundance instead of requiring them 


to continue the practice of economy and 

Question No. 7. — Because it has always 
spent its income lavishly, prodigally, ex- 

The Government of the United States 
has been controlled by politicians who 
recognized the only way they could re- 
tain their political power was by taking 
care of their henchmen, and this could 
only be done by providing for them at the 
expense of the Government. 

The result could only be what it has 
been; a most lavish expenditure of Gov- 
ernment income, and a constantly in- 
creasing income for the Government. 

When we understand that the Govern- 
ment expended almost as much money in 
the two years following the declaration 
of war against Germany that it had ex- 


pended in its entire history of over one 
hundred and forty years previous, we 
begin to have some idea of the prodigally 
extravagant consciousness which has been 
grown, especially by "the power behind 
the throne," that is, by the "invisible gov- 
ernment" which is back of officialdom. 

We also cease to wonder that there are 
those whose incomes amount to over 
twenty millions of dollars a year. 

Had all this been done with a harmoni- 
ous consciousness and thought habit back 
of it there could never be any inharmoni- 
ous effect or reaction in the future, but 
as it has not, the inharmonious reaction 
will come in due time. 

Question No. 8. — The consciousness, 
the thought habit, the feeling, with which 
it is spent and with which we review our 


When we spend money with the con- 
sciousness and feeling of an abundance 
and our harmonious oneness with it; 
knowing we will relate with a constantly 
increasing supply under the Law of Har- 
mony, we always will relate with it for 
that is law, universal law, unchangeable, 
immutable, irrevocable. 

But when we allow fear, worry, anxiety, 
unrest, or inharmony of any kind to 
enter and remain in our thought world, 
the vibrations of such thoughts take us 
away from the universal currents of har- 
mony, wherein is found the abundance 
of the supply of everything, and relates 
us with the universal currents of inhar- 
mony in which lack and limited supply 
are to be found and which makes the 
practice of economy necessary as long as 
we remain related to such currents. 


Question No. 9. — Constructive. Its 
presence indicates the abundance of the 
supply and our oneness with it, otherwise 
there would not have been the surplus. 
We have an image, a vision, of opulence 
and abundance before us. 

When we depend on the human mind 
for our image or vision we must have the 
materialized image before us; this 
strengthens our faith and belief, but when 
we learn the greater truth we create the 
image or vision with our soul conscious- 
ness, instead of our human consciousness, 
and see the universal abundance before us 
always, instead of being limited to the 
materialized supply. 

Question No. 10. — Destructive. Such 
saving is the effect of denying one's self 
the things he wants and which would have 
made him happier, better, more harmoni- 


ous and constructive; given him a bigger 
and broader vision of life ; enabled him to 
feel his man-hood, which is only another 
name for one's God-self. 

These things he felt he could not have 
and at the same time "save" that which 
he thought necessary to his future exist- 

Such a feeling, or state of conscious- 
ness y can only result in growing a still 
greater consciousness and thought habit 
of lack which will separate one still more 
from the harmonious currents in which 
the universal abundance of the supply is 
to be found. 

Question No. 11. — It gave them an ob- 
jective image and vision of the material- 
ized abundance of supply such as many 
of them had never dreamed of before. 


It increased their range of vision and 
made bigger men and women out of them 
by reason thereof. 

It is impossible for one to witness any- 
thing done on an immense scale without 
growing bigger in his own consciousness. 
Any other effect would be a violation of 
universal law. 

The extent of such growth varies with 
each individual, but the least impression- 
able is affected to some extent. 

Question No. 12. — Because of their 
consciousness and thought habit of in- 

We can obtain what we desire under 
either one of the two expressions of the 
law, force or harmonious attraction. 

When we obtain it under the Law of 
Force our hold on it is precarious and con- 
tinues only as long as we are able to 


exert a force which is stronger and greater 
than any we contact. 

As the large majority cannot use force 
to the extent of the small minority, the 
prosperity of the masses, the people, can- 
not continue interrupted as long as it is 
created by them under the Law of Force. 

Question No. 13. — The Law of Force. 
Because the reaction of the Law of Force 
upon its user is always disastrous and 

The effect may come at once or in the 
ages yet to come, but it always comes for 
law is universal, immutable, unchange- 
able, irrevocable. That is why we know 
that its inharmonious use will always 
bring its reaction of inharmony to the 

Our salvation lies in changing our use 
of universal law and so lifting us out of 


the inharmonious currents in which we 
have set all our inharmonious causes in 
motion, and in which we only can and do 
reap their inharmonious effects. 

Question No. 14. — The universal law 
turns him back into the character of en- 
vironment which accords with his develop- 
ment, his consciousness. 

"A fountain can rise no higher than its 
source/' and a life cannot remain long 
above or below the level of its own con- 

The methods and instruments used by 
the universal law for the above purpose 
are varied and numerous. Strikes, lock- 
outs, loss of position, sickness, injury, 
theft, murder, love, hate, are only a few 
of the ways it is done or methods used. 

Question No. 15. — The universal law 
under which we obtain it. 


When we have used the Law of Force 
in obtaining a thing we are related with 
the universal currents of inharmony, and 
our use of things while remaining in these 
currents can only be inharmonious and 

When we have used the Law of Har- 
mony in obtaining a thing our conscious- 
ness relates us with the universal currents 
of harmony and our use of things while 
remaining related with these currents can 
only be harmonious and constructive. 

Question No. 16. — Because universal 
law is unchangeable, immutable, irrevo- 

It is, therefore, impossible for man to 
relate with any person, thing, condition, 
or effect except as the result of the 
causes he himself has set in motion some- 
where and sometime prior thereto. 


We know this is true when we view 
life as a whole, a complete circle or cycle, 
instead of only the part of the circle 
which one human existence covers. 

Any other solution of the question 
would make this a world of accident, 
chance, chaos ; the plaything of some per- 
sonal power which could work all kinds 
of injustices without any responsibility. 

This would make such solution in- 
equitable and unjust to the greatest de- 
gree, whereas one cannot find the slight- 
est inequity or injustice in the solution 
offered by the Sears Philosophy. 

Question No. 17. — Because it is neces- 
sary for them to have a parentage and en- 
vironment where the greatest freedom of 
thought and action may be had, and where 
there is the greatest opportunity for the 
growth and unfoldment of the soul along 


harmonious lines which the bigness of the 
country and the immensity of its wealth 

Question No. 18. — Because they had 
the thought, the feeling, the conscious- 
ness, of there always being "plenty more." 

This consciousness was the connecting 
link and established the relationship be- 
tween them and the universal abundance 
of supply by which the more they, as a 
Nation, used of the supply the more they 
had to use. 

Question No. 19. — No. The entire his- 
tory of the United States from the 
Declaration of Independence, more than 
one hundred and forty years ago, down 
to the present time, demonstrates the ex- 
travagance of economy and the truth of 
the universal law of constructive and har- 
monious use which these Lessons teach. 


Question No. 20. — Grow and develop a 
consciousness and thought habit of har- 
mony and our oneness with the universal 
abundance of the supply. 

Because it is the consciousness and 
thought habit back of our expression, back 
of our use of Energy, which determines 
its effect on us. 

When we express extravagance with an 
inharmonious consciousness and thought 
habit, the effect on us can only be de- 
structive and disastrous. 

But when we express extravagance 
with a harmonious consciousness and 
thought habit then the effect on us will 
always be constructive and cause us to 
continue relating with a constantly in- 
creasing supply. 

Answers to Questions 


The Extravagance of Economy 
Lesson Three 

Question Xo. 1. — That thought in- 
cludes something more than man's mental 
or intellectual power, and is used by all 
forms, on all planes of consciousness. 

Question Xo. 2. — Xature never econo- 
mizes anywhere, but is most lavish in her 
expenditures of everything. 

The great depths of space which reach 
out between worlds; the vast mountain 
ranges, the broad prairies, the great 
deserts, the forests, everything every- 



where tells the story of Nature's prodi- 
gality and extravagance. 

Nature knows the universal law of the 
abundance of everything, and that as long 
as the supply is used harmoniously it will 
continue to replenish itself automatically, 
that is, the replenishing is self-acting be- 
cause of the universal law used. 

Some persons have this consciousness 
of their oneness with the abundance of the 
supply so deeply stamped upon some of 
the cells of their body that they grow a 
third set of teeth. 

Those who do not do this are those who 
either do not need the third set, or who 
have created such a consciousness of 
separation they think they can't grow 
another set and so do not. 

Nature does not deny them a sufficient 
supply of "raw material" with which to 


grow the third set of teeth, but such per- 
sons fail to use it for that purpose because 
of the character and kind of consciousness 
they have grown. 

Question No. 3. — Because his con- 
sciousness and thought habit are too in- 
harmonious and his consciousness or sense 
of separation from abundance too great, 
to permit him to relate with the supply. 

This is why the miser starves to death 
although there is an abundance of food 
all around him and he has plenty of money 
with which to purchase it. 

His economy consciousness has created 
such a perfect and complete consciousness 
or sense of separation that it will not allow 
him to spend his money for the food neces- 
sary to keep his body alive, and so it dies. 

In the death of his body the miser per- 
forms the last act necessary to complete 


the materialized effect of his conscious- 
ness of separation from abundance, for 
he separates himself from the only thing 
he had left — his money. 

Question No. 4. — He first creates a 
consciousness of his separation from that 
particular thing in which he is econo- 

When he persists in the practice of 
economy, this consciousness of separa- 
tion gradually grows and increases until 
in time he unknowingly applies it to all 

This is why we have people who lack 
everything one might desire, health, 
money, friends, love, home. They have 
separated themselves so completely from 
everything in their consciousness that 
they have become the outcasts of the 


However, they are only reaping the 
harvest of the seed they have ignorantly 
and unconsciously sown by their thoughts 
in the past. 

Question Xo. 5. — We ultimately lose 
our ability to use it. Continued failure 
or refusal to use our faculties or power 
can only result in our growing a con- 
sciousness which does not know how to 
use them. 

Since "eating of the tree of knowledge 
of good and evil and becoming wise as 
gods/' man has failed to use the discrimi- 
nating power of his will and so permit 
only thoughts of a constructive and har- 
monious character to enter and remain in 
his human mind. 

The result is his will-power has lost 
the power to exclude the inharmonious 
thoughts because of man's non-use of such 


power, or his use of it under the Law of 

Thinking inharmonious thoughts; put- 
ting the destructive interpretation on 
what others say, think, or do, has become 
"natural" to man, although it should and 
would be the most unnatural and impos- 
sible thing had he used his will-power 
rightly in the past. 

Question No. 6. — Yes. While it is 
much more difficult to awaken, revive and 
revitalize a faculty deadened from disuse 
or injured and impaired from destructive 
use, yet it can be done but it requires con- 
tinued, persistent, patient work on our 

Question No. 7. — By ceasing to use 
them; allowing them to atrophy from 

This is a most wonderful and yet 


simple statement of fact which is true 
although entirely new. 

When we cease to use anything it be- 
gins to cease to exist for us. 

We begin to cease relating with condi- 
tions which call forth its use. 

Its hold on us grows less and less secure 
until finally it ceases altogether. 

We know it no more for we do not re- 
late with the currents in which need for 
its use is to be found. 

Question No. 8. — We unconsciously 
and unknowingly create a consciousness 
of separation which applies only to money 
at first, but as it is persisted in this con- 
sciousness of separation is gradually ex- 
tended to apply to health, love, friends, 
and other things. 

So all-absorbing has this consciousness 
of separation become in many persons 


that it even separates them from air and 
causes them to be born in a human body 
and environment which predisposes them 
to tuberculosis. This is why that dread 
disease has made such rapid strides in the 
last half century. 

Question No. 9. — Because the soul car- 
ries its consciousness of separation with it 
from incarnation to incarnation, just as 
the human mind carries its consciousness 
with it from day to day. 

This causes it to continue to be born 
in a body and environment of constantly 
increasing poverty and lack until it ceases 
to create the consciousness of separation 
which is the outgrowth of the practice of 
economy and other inharmonious thought 

Question No. 10. — Dualistic. Because 


he is both material and spiritual; human 
and divine. 

This kind of a combination is necessary 
in order that the coarser and more unde- 
veloped human side may be refined and 
developed through close contact with the 
finer or divine expression. 

Also that through such close contact 
the divine man might increase his knowl- 
edge, wisdom and understanding and so 
become a still better instrument through 
which Energy, Life, God, might express. 

Question No. 11. — Human man ex- 
presses the physical and mental; divine 
man, the soul and spiritual. 

Through the close contact and associa- 
tion of human and divine man, the latter 
obtains a vehicle through which it can ex- 
press its larger vision and deeper under- 
standing to the unfolding human man's 


consciousness and so give the latter a 
greater ideal and a bigger standard from 
which to work in his growth and un- 

It is in this way that man has obtained 
the knowledge, wisdom and understand- 
ing which has made possible the wonder- 
ful civilization of the present century. 

Human man in turn is able to express 
through divine man's faculties, the mes- 
sages and instructions he wishes to give 
to the intelligence expressing in the lesser 
forms he contacts, the atoms of his body 
and environment. 

This is how all so-called "miracles" are 

Question No. 12. — He ultimately be- 
came sated, lazy, indolent, shiftless, with- 
out ambition or desire. Being one with 
all life in his consciousness, he had every 


desire satisfied as soon as it was 

This was why, when he created the de- 
sire to "become wise as gods and know 
good from evil/' such desire was at once 

The living in a consciousness which 
recognized evil or inharmony soon created 
a consciousness or feeling which sepa- 
rated him from good or harmony, and so 
brought him into only the kind of rela- 
tionships, such as sickness, disease, anger, 
hate, poverty and lack, as made for still 
greater inharmony. 

Question No. 13. — In human man's 
consciousness and thought habit first, 
and then in his material world. 

The human and astral bodies of man 
remain connected on the astral plane as 
long as the human body continues to 


"live." "Death" never occurs until the 
separation of the two bodies takes place 
on the astral plane. 

Question No. H. — Thought. This is 
not simply mental power or mental force 
as we have been taught to believe in the 

It is something entirely different from 
that. It is a universal power which all 
form uses, whether animate or inanimate, 
visible or invisible, material or spiritual. 
. .Question No. 15. — It is the effect of 
the use of this universal power, thought, 
by the mental or intellectual faculty of 
the human mind. 

Question No. 16. — It is the effect of 
the use of this same universal power, 
thought, by the soul mind. 

The soul mind, being a finer vehicle 
through which to use thought than is the 


human mind, its use of this universal 
power, thought, is much stronger, more 
powerful, far-reaching and subtle than is 
its use by the human mind. 

Things which are impossible or very 
difficult of accomplishment by the human 
mind's use of thought, become easy of ac- 
complishment when thought is used by 
the soul mind. 

Question No. 17. — The limited cur- 
rents of the material world in which only 
the limited expression of things is to be 

It is in these limited and inharmonious 
currents that man relates with sickness, 
disease, poverty and lack of all kinds, and 
where he finds the "can'ts" and "impos- 
sibles" of his everyday life. 

Everything is either difficult or impos- 
sible of accomplishment in these currents 


and man has to fight and economize as 
long as he remains related with them in 
his consciousness. 

Question No. 18. — The unlimited uni- 
versal currents. 

This is where man relates with health, 
wealth, love, happiness, joy, and the 
abundance of everything he desires. 

Nothing is difficult of accomplishment 
while he is related with these currents, for 
he recognizes (consciously or uncon- 
sciously) his oneness with everything he 
desires under the Law of Harmony. 

There are no "if's, can'ts, nor impos- 
sibles" in his vocabulary as long as he re- 
mains related with these currents in his 

Question No. 19. — Because he only 
contacts and relates with the materialized 
supply — never with the unlimited supply 


of "raw material" from which the ma- 
terialized supply is made. 

Human man's consciousness of the 
abundance of the universal substance, the 
. "raw material/' from which everything is 
made, is somewhat analogous to the con- 
sciousness and knowledge of a layman 
entering a manufacturing establishment 
about which he knows nothing. 

The layman, seeing only the manufac- 
tured product, and knowing nothing of 
the source from which the "raw ma- 
terials" are obtained, nor the abundance 
of the supply, thinks only of the limited 
manufactured product and so sees and 
thinks of the supply as being small and 

And it is small and limited to him for 
his very thought attitude makes it so and 


only relates him with the limited portion 
of the supply. 

Divine man is like the manager of the 
factory, in that he knows all about the 
abundance of the supply of "raw ma-, 
terials" from which the manufactured 
product is made, their source and how to 
relate with them. 

He knows that the more he uses of the 
"raw materials" in the manufacture of his 
product the more of the "raw materials" 
will there be for him to use. 

The supply of the "raw materials" is 
governed by his use of them. This supply 
increases the more he uses them, and de- 
creases when he begins to "economize" in 
their use. 

Divine man knows the abundance of 
"raw material," that is, the universal sub- 
stance from which all things are made, is 


inexhaustible, and that just as man in- 
creases the muscles of his body through 
their harmonious and constructive use, so 
does he increase the amount of the uni- 
versal substance with which he relates and 
differentiates into money, health, love, 
and whatever else he may desire, the 
more he uses it harmoniously and con- 

Divine man knows that in this way does 
he really "eat his cake and have it too." 

Question No. 20. — It enlarges his con- 
ception of life; gives him a bigger vision 
and a deeper understanding; makes of 
him a better vehicle through which life 
may express; enables him to encompass 
the entire circle of life instead of only the 
small portion covered by the existence of 
one human body. 

It enables him to lift his human self 


out of the inharmonious and limited 
currents of the material plane of sick- 
ness, disease, poverty and lack, and re- 
late him with the unlimited currents in 
which is found the abundance of every- 
thing he desires and which goes to make 
life here both livable and lovable. 

This price list in force on and after March 1st, 1920 
subject to change without notice. 

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Correspondence Course of 30 Lessons on f given on 

The Psychology of Abundance / application 

Correspondence Course of 3 Lessons on 

The Psychology of Use, or 

The Extravagance of Economy 10.00 


No Street 

City State 




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